Terms of Service

Last updated: August 5, 2026

These terms are an agreement between you and Klaro Pte. Ltd. for your use of Klaro Ledger ("the app"). By installing or using the app, you agree to them. If you do not agree, please do not use the app.

Licence to use the app

We grant you a personal, non-commercial, non-transferable, revocable licence to use the app on devices you own or control, for tracking and budgeting your own finances. You agree not to copy, resell, rent, reverse-engineer, or tamper with the app except where the law allows.

Your data is your responsibility

Your Personal ledger is stored locally on your device — keep a backup (Settings → Data, or the optional Google Drive backup), because we store nothing on a server for it and cannot recover it if you uninstall, reset, lose, or damage your device. Shared Spaces are end-to-end encrypted: we cannot read them, and we cannot recover a space's contents if every member leaves or the shared key is lost.

Subscriptions & billing

Klaro Ledger is provided as a paid subscription. An active subscription is required to use the app; any free trial, the price, and what's included are shown before you purchase. Subscriptions are sold through the Google Play Store and renew automatically until cancelled — manage or cancel anytime in your Google Play account, with cancellation taking effect at the end of the current billing period. Refunds are handled under Google Play's policies. Creating and owning a Shared Space requires the owner to maintain an active subscription; people the owner invites can take part in that space without their own subscription. If the owner's subscription lapses, the space becomes read-only until the owner subscribes again — your data is preserved.

Shared Spaces

Shared Spaces let you track finances jointly with people you invite. You are responsible for who you invite and for the invite codes you share — anyone with a valid invite can join and read that space, so only share it with people you trust, and directly (an invite carries the key that decrypts the space). Use Shared Spaces only for your own genuine household or shared-finance tracking. We provide the sync relay on a best-effort basis and do not guarantee delivery, availability, or retention; and because a space's contents are end-to-end encrypted, we cannot read, moderate, restore, or arbitrate them.

Not financial advice

The app is a personal tracking and budgeting tool. Nothing it shows — including insights, projections, pace, budgets, net worth, portfolio and investment values, live prices, category guesses, scanned receipt amounts, or converted currency figures — is financial, investment, tax, accounting, or legal advice. Always verify important numbers yourself and consult a qualified professional for your situation.

Accuracy & third-party data

Exchange rates and live crypto, stock, and ETF prices are supplied by third parties. They may be delayed, temporarily unavailable, or differ from the actual price of any real trade or transaction — they are indicative only, and are not a quote, an offer, or a recommendation. Receipt scanning (OCR), automatically captured payments, and automatic category guesses are best-effort and may be wrong. You are responsible for reviewing and correcting any figure before relying on it.

Acceptable use

You agree to use the app lawfully and to enter accurate information. You may not use it for any unlawful purpose or in a way that could damage, disable, or impair the app.

Availability & changes

We may update, change, or discontinue features at any time, and we may release updates to the app. We are not obligated to maintain any particular feature.

Disclaimer of warranties

The app is provided "as is" and "as available", without warranties of any kind, whether express or implied. We do not warrant that it will be uninterrupted, error-free, secure, or that any figure, conversion, or scan will be accurate or fit for your purposes.

Limitation of liability

To the maximum extent permitted by law, we are not liable for any indirect, incidental, special, or consequential damages, or for any loss of data, profits, or savings, arising from your use of (or inability to use) the app. To the extent we are liable, our total liability is limited to the amount you paid us for the app in the 12 months before the claim (or a nominal sum if the app was free to you).

Termination

You may stop using the app and uninstall it at any time. We may suspend or end your licence if you materially breach these terms.

Changes to these terms

We may update these terms. We will announce material changes in the app's "What's new", and the date above will change. Continuing to use the app after a change means you accept the updated terms.

Governing law

These terms are governed by the laws of Singapore, and any dispute will be subject to the exclusive jurisdiction of its courts, without regard to conflict-of-laws rules.

Contact

Questions about these terms? Email [email protected].